The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$55,471
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,196
−HK$1,753/mo
Today · 4.125%
HK$58,949
baseline
▲ 0.50% · 4.625%
HK$62,536
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,898/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,711
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,366
−HK$1,679/mo
Today · 4.125%
HK$65,045
baseline
▲ 0.50% · 4.625%
HK$68,473
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,090/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,565
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,636
−HK$2,103/mo
Today · 4.125%
HK$70,739
baseline
▲ 0.50% · 4.625%
HK$75,044
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,478/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,053
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,015/mo
Today · 4.125%
HK$78,054
baseline
▲ 0.50% · 4.625%
HK$82,168
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,108/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,659
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,075
−HK$2,454/mo
Today · 4.125%
HK$82,529
baseline
▲ 0.50% · 4.625%
HK$87,551
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,058/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,395
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,712
−HK$2,351/mo
Today · 4.125%
HK$91,063
baseline
▲ 0.50% · 4.625%
HK$95,863
+HK$4,800/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,126/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,848
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,953
−HK$3,156/mo
Today · 4.125%
HK$106,109
baseline
▲ 0.50% · 4.625%
HK$112,565
+HK$6,456/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,218/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,079
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,059
−HK$3,022/mo
Today · 4.125%
HK$117,081
baseline
▲ 0.50% · 4.625%
HK$123,252
+HK$6,171/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,162/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,881 · Scale 2, in force from 26 Feb 2026)